Call reports 2003
BANK OF FALL RIVER, A CO-OPERATIVE BANK — 2003
What BANK OF FALL RIVER, A CO-OPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 132,199,000 | 134,073,000 | 131,685,000 | 130,892,000 |
| Total loans | 99,710,000 | 98,414,000 | 99,928,000 | 101,457,000 |
| Allowance for loan losses | 1,647,000 | 1,566,000 | 1,607,000 | 1,662,000 |
| Securities available for sale | 11,850,000 | 15,198,000 | 12,884,000 | 6,906,000 |
| Securities held to maturity | 5,627,000 | 4,438,000 | 5,143,000 | 8,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,686,000 | 109,644,000 | 110,408,000 | 109,638,000 |
| Interest-bearing deposits | 90,328,000 | 89,053,000 | 91,422,000 | 90,599,000 |
| Noninterest-bearing deposits | 17,358,000 | 20,591,000 | 18,986,000 | 19,039,000 |
| Equity capital | 10,515,000 | 10,706,000 | 10,838,000 | 11,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,907,000 | 3,781,000 | 5,582,000 | 7,346,000 |
| Interest expense | 603,000 | 1,177,000 | 1,712,000 | 2,215,000 |
| Net interest income | 1,304,000 | 2,604,000 | 3,870,000 | 5,131,000 |
| Noninterest income | 182,000 | 362,000 | 537,000 | 709,000 |
| Noninterest expense | 1,065,000 | 2,146,000 | 3,253,000 | 4,307,000 |
| Provision for loan losses | 37,000 | 75,000 | 112,000 | 150,000 |
| Pretax income | 384,000 | 745,000 | 1,042,000 | 1,383,000 |
| Income tax | 164,000 | 340,000 | 490,000 | 608,000 |
| Net income | 220,000 | 405,000 | 552,000 | 775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,514,000 | 10,701,000 | 10,826,000 | 11,066,000 |
| Total capital | 11,779,000 | 11,973,000 | 12,116,000 | 12,276,000 |
| Risk-weighted assets | 100,821,000 | 101,431,000 | 102,922,000 | 96,366,000 |